What protection behaviour tells us

In an increasingly digital world, it’s easy to assume that financial decisions are best made online, through comparison tools, calculators and automated journeys. But when it comes to protection, recent research suggests something very different. Despite the growth of technology in financial services, people still value human advice, especially when decisions feel personal, emotional or complex.

The AMI Protection Viewpoint Research highlights that around 70% of consumers believe personal contact is imp...

For 2026, Fox Payne are proud to have partnered with the charity Duchenne UK and specifically the Ben vs Duchenne Family Fund.  Please take 4 mins to watch Ben's film, then visit our Just Giving page to add your support by making a donation.

Duchenne muscular dystrophy (DMD) is a progressive condition diagnosed in childhood. It causes all the muscles in the body to gradually weaken, including the heart and lungs.  DMD almost always affects boys. It is typically diagnosed in childhood between the age of three and six. 

There is currently ...

In an ever-changing world, navigating your financial options can be challenging. Whether you’re thinking about ways to save, planning for retirement, considering how best to use your tax allowances, or thinking about how your estate might be passed on, it’s often hard to know where to begin. That’s where advice can make a real difference – helping you plan with clarity and purpose.

Making sense of pensions

Pensions remain one of the most effective ways to save for later life, yet, with evolving rules, changing allowances, and a wide rang...

What Financial Advice Really Covers

When people think about professional financial advice, they often picture help with tax planning, pensions, investments or mortgages. While these are all important areas, they only scratch the surface of what a financial adviser really does. 

A Personal Trainer for Your Financial Life

A helpful way to think about a financial adviser is like a personal trainer for your finances. A personal trainer doesn’t just hand you a workout plan; they take time to understand your goals, assess where you are now an...

A first-time buyer’s guide to independent surveys – why you should consider booking

Buying your first home is an exciting milestone, but it can also be overwhelming. With so much to consider, independent property surveys might not be at the top of your list – but they should be.

Understanding the condition of your potential new home before you commit to buying can save you time, money, and stress in the long run.

What is an independent survey?

An independent property survey is an in-depth inspection of a home carried out by a professi...

Living in interesting times: how advice can help

We’re living in unpredictable times; from rising living costs and market fluctuations to fast-moving changes in jobs, tech, and even family structures. For many people, the old financial playbook no longer applies.

In these moments, advice isn’t about chasing the lowest cost — it’s about making the right choices for you. Ones that reflect your values, your needs, and the realities you’re living with right now.

Whether you’re dealing with a sudden loss of income, stepping into a caring role,...

Don’t Fit the Mortgage Mould? We can help you.

If you've ever felt like you don't quite fit the conventional mould when it comes to securing a mortgage, you're not alone. In fact, more and more people are in the same boat, challenging the standard lending rules.

If you’re self-employed, had a credit blip or over 50 you may have encountered challenges when applying for a mortgage because traditional mortgages don't always cater to everyone's needs. Luckily, there are specialist mortgage products designed just for people like you an...

Every year brings new possibilities, and as we approach the start of the 2025/26 tax year, it's the perfect time to maximise your financial options and opportunities. Whether you're an investor or a saver, there are many tax benefits to take advantage of, and our team of experts is on hand to provide you with the information you need to make the best decisions for your finances. 

What should my priorities be?

In 2025/2026, you can contribute a maximum of £20,000 across all your ISAs. This allowance applies to Cash ISAs, Stocks and Shares I...